We don’t just fit your plan to our solutions; we create solutions for your plan.

Our experts provide full-service customizable solutions including plan design, recordkeeping, compliance and participant management. Our organizational processes and always-current technology allow us to serve any kind of client, from startups to organizations with thousands of participants.

We offer a full range of retirement plans including:

  • 401(k) plans with or without employer matching contributions
  • Safe Harbor Plans
  • Cross-tested/New Comp
  • Defined Benefit Plans
  • Cash Balance Plans
  • 403(b) Plans
  • SCA/Davis Bacon Plans

Our key plan administration responsibilities and procedures include:

  • Recordkeeping and administration services
  • Legal document preparation
  • Storage and management of plan and participant-level account information
  • Receipt and processing of participant initiated requests (loans, distributions, transfers, deferral rate changes, etc.)
  • Transmission of trades and disbursement requests to independent custody provider
  • Discrimination Testing
  • Compliance testing and reporting
  • Annual reporting
  • Audit Coordination

Testing performed includes:

  • Annual Additions Limits (415)
  • Annual Deferral Limit Tests (402(g))
  • Average Deferral Percent (ADP) Test
  • Average Contribution Percent (ACP) Test
  • Compensation Ratio testing (414(s))
  • General Nondiscrimination Test 401(a)(4)
  • Minimum Coverage Requirements (410(b))
    • Ratio percentage test
    • Average Benefits Test
  • Top Heavy Test (416)

We pride ourselves on our ability to create a customized plan design for any kind of organization, but our commitment to service doesn’t end there. Our high-touch approach goes beyond a personalized sales pitch. Expert consulting is paramount in our business philosophy, and we focus on ensuring that sponsors receive the support they need to meet their plan goals and fiduciary obligations. This includes updates about trends in the industry, changes in regulations and laws, and support for plan participant communication.

Through our alliances, America’s 401(k) can offer virtually any mutual fund available on U.S. markets, as well as money market funds, Guaranteed Investment Certificates (GICs), commingled trusts and separately managed accounts.

For Advisors

We’re retirement experts; you don’t have to be. As an independent, non-producing retirement administrator we partner with advisors to deliver powerful retirement solutions.

For Employers

We’re dedicated to the details of your plan. We’ll listen to your needs and then design, implement and manage the plan that works for your organization.

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